Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
  • On Chase's Secure Website
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Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
  • On Chase's Secure Website
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Chase Ink Business Preferred Credit Card: Is It the Best Business Credit Card?

Chase Ink Business Preferred Credit Card: Is It the Best Business Credit Card?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editor's Rating

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The Ink Business Preferred℠ Credit Card is a robust rewards business card allowing you to earn points in popular expense categories. Customers earn tons of points in select categories, while still earning points on all other purchases. The card also offers a huge sign up bonus. The bottom line is that this is one of the best business cards available for earning rewards.
  • On Chase's Secure Website
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Editor's Rating

?
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The Ink Business Preferred℠ Credit Card is a robust rewards business card allowing you to earn points in popular expense categories. Customers earn tons of points in select categories, while still earning points on all other purchases. The card also offers a huge sign up bonus. The bottom line is that this is one of the best business cards available for earning rewards.
  • On Chase's Secure Website
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For true earning and redeeming versatility, the Ink Business Preferred℠ Credit Card by Chase is one of the top picks for small businesses. This card earns rewards through the Chase Ultimate Rewards program, providing a seemingly endless amount of award options to choose from. Whether you’re looking to mitigate your travel expenses or just want pure cash back, owning the Ink Business Preferred℠ Credit Card could be one of the smartest financial decisions for your company.

Although it comes with a $95 annual fee, you’ll be surprised at how many benefits this card offers. And by reaching the spending limit of the sign-up bonus — worth roughly $1,000 — you should have no problem finding lasting value with the Ink Business Preferred℠ Credit Card.

Good for...

  • Earning rewards travel, shipping and advertising expenses
  • Big sign-up bonus

Bad for...

  • Companies with low (or extraordinarily high) annual expenses

Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
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Review: Our thoughts on the Ink Business Preferred℠ Credit Card

Regardless of what your business is, chances are you’ll face tons of operating expenses. From advertising and marketing expenses to office supplies, there’s no shortage of purchases you could be earning rewards on. Compared to other business cards out there, the Ink Business Preferred℠ Credit Card wins for its fantastic sign-up bonus and solid rewards rate on various purchase categories.

Cardholders will Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That is worth approximately $1,000 toward travel rewards when redeemed through the Chase Ultimate Rewards portal. If you qualify for this bonus, it’s enough to cover your annual fee for well over 10 years.

However, you should always weigh the opportunity cost of your card choice. If you want to avoid an annual fee altogether, you can still apply for a business credit card with no annual fee with a moderate sign-up bonus instead. Depending on your company’s expenses, the no-fee option may be better or worse.

Bottom line: The Ink Business Preferred℠ Credit Card is best for companies that spend a lot on travel, shipping, internet, cable and phone services and social media/search engine advertising each year. If your business expenses don’t fall in these bonus categories, or you have a marginal number in expenditures each year, you’re better off applying for a business card with no annual fee.

Ink Business Preferred℠ Credit Card benefits and features

Beyond the short-term value of a high sign-up bonus, we take a more in-depth look into the benefits and features of the Ink Business Preferred℠ Credit Card. It’s a well-rounded card, and most companies should benefit from its rewards structure and its business management tools.

Earning rewards

The Ink Business Preferred℠ Credit Card's users Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Since we value Ultimate Rewards points at roughly $0.0125 each, our estimated return for this card is between 1.25% to 3.75%. If your business can reach this $150,000 spending limit annually, you’re potentially looking at more than $5,000 in returns from the bonus category alone.

Redeeming rewards

The flexibility of the Chase Ultimate Rewards program is a huge selling point for the Ink Business Preferred℠ Credit Card. For simplicity’s sake, you can redeem your points for cash back, gift cards or Apple purchases.

But if you’re looking to get a better value from your hard-earned rewards, you’ll want to redeem your points for travel through Chase Ultimate Rewards to earn a 25% bonus. For example, the card's sign-up bonus is worth $1,250 toward travel expenses. You’ll be able to use your points on most rental cars, hotel stays and flights — offering a ton of savings opportunities on business travel.

You can also transfer your Ultimate Rewards points at a 1:1 ratio to 14 loyalty programs — 11 airline and three hotel partners. These partners include some popular domestic airlines, such as Southwest Airlines and United Airlines, as well as many international options:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club
  • IHG® Rewards Club
  • Marriott Bonvoy™
  • World of Hyatt

As a recap, here are all of the redemption options with the Ink Business Preferred℠ Credit Card:

RedemptionPoints value
Book travel via the Chase Ultimate Rewards Portal1.25 cents
Transfer points to travel partners at a 1:1 ratioUp to 1.5 cents, depending on the program
Use points at Apple Ultimate Rewards store1 cent
Redeem points for 150+ gift cards1 cent
Redeem points for cash back1 cent

Business management tools

Besides earning rewards, the Ink Business Preferred℠ Credit Card comes with the necessary tools to help you stay on top of your business’ finances. You’ll receive account details, quarterly reports and other valuable insights into your business, helping you manage your cash flow and track your expenses. You’ll also be able to hand out up to 99 employee cards to your Ink Business Preferred℠ Credit Card at no additional cost.

Travel and purchase coverage

Finally, the Ink Business Preferred℠ Credit Card comes with complimentary travel and purchase coverage. Although you’re unlikely to use these benefits day to day, these protections can potentially save you thousands of dollars in the event of an emergency.

CoverageCoverage amount
Trip cancellation and interruption insuranceReimbursement of up to $5,000 per person and $10,000 paper trip for a covered reason on your prepaid, nonrefundable travel expenses.
Roadside assistanceCall 1-800-847-2869 in the event of a roadside emergency — service fees will be billed to your card.
Car rental insurancePrimary coverage when renting a car for business purposes, providing reimbursement for theft and collision damage for most cars in the U.S. and abroad.
Cellphone protectionReimbursement of up to $600 per claim on cellphone theft and damage (with a $100 deductible) when paying your cellphone bill with this card. Maximum of three claims in a 12-month period.
Purchase protectionProvides coverage on new purchases for 120 days against damage and theft, up to $10,000 per claim and $50,000 per account.
Extended warranty protectionExtends a U.S. manufacturer’s warranty by an additional year on eligible warranties three years or less.
$0 foreign transaction feesWhen traveling and making purchases abroad, enjoy $0 foreign transaction fees.

How does the Ink Business Preferred℠ Credit Card compare to other business credit cards?

We handpicked some of the leading business credit cards to see how the Ink Business Preferred℠ Credit Card stacks up against the competition.

Ink Business Preferred℠ Credit Card vs. Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

  • On Chase's Secure Website

$0

13.24% - 19.24% Variable

Excellent

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
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Chase’s no-annual-fee option — the Ink Business Cash® Credit Card — may be a better fit for businesses with relatively low expenses. Having a $0 annual fee means you never have to worry about this card being a net loss in terms of rewards. You’ll Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

While these limits are significantly lower than what we see on the Ink Business Preferred℠ Credit Card, it may suit many smaller businesses needs’ better. Simultaneously, the points you earn with the Ink Business Cash® Credit Card cannot be transferred to travel partners — one of the most valuable redemptions that can be made with the Ink Business Preferred℠ Credit Card. Instead, you can redeem your Ultimate Rewards points for cash back, gift cards and more. This card’s sign-up bonus allows you to Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Some businesses could even apply to both cards, allowing you to optimize your rewards. By using the Ink Business Cash® Credit Card at office supply stores, gas stations and restaurants and the Ink Business Preferred℠ Credit Card on everything else, you can combine the points earned for even better rewards rates.

Ink Business Preferred℠ Credit Card vs. American Express® Business Gold Card

The American Express® Business Gold Card competes with the Ink Business Preferred℠ Credit Card’s offerings: You’ll Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*. It’s a Business Gold perk that does the extra work for you. These categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases at gas stations
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases for shipping

Like the Ink Business Preferred℠ Credit Card, these bonus points are capped at the first $150,000 in combined purchases from these two categories each calendar year. All other purchases earn 1 point per dollar. You’ll earn Membership Rewards points that can also transfer mostly at a 1:1 ratio to American Express’ travel partners.

Most people will likely choose the Ink Business Preferred℠ Credit Card over the American Express® Business Gold Card, as the annual fee is almost three times as high ($295). Additionally, the American Express® Business Gold Card comes with a lower welcome offer: Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. However, since this spending limit is lower, the American Express® Business Gold Card’s welcome offer may be more attainable for most small businesses.

For rates and fees of American Express® Business Gold Card, please click here.

Ink Business Preferred℠ Credit Card vs. Capital One® Spark® Miles for Business

Capital One also offers its own business credit card, tailored specifically for travel purchases. The Capital One® Spark® Miles for Business offers an easy-to-earn sign-up bonus: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. This bonus is worth $500 in travel.

This card is best for businesses who don’t want to keep track of bonus points or have an extensive range of expenses, encompassing multiple categories. With the Capital One® Spark® Miles for Business, you’ll Get unlimited 2 Miles per $1 on every purchase, everywhere with your business credit card with no blackouts or seat restrictions and no minimum to redeem. The annual fee is $0 intro for first year; $95 after that.

The Capital One® Spark® Miles for Business also lets you use your miles toward any travel purchase, or you can transfer to Capital One’s 10+ travel partners. Although your Capital One miles transfer at a lower ratio (with most transferring at a 2.5:1 ratio), the main benefit of this card is that you’ll receive a $100 credit for Global Entry or TSA Precheck. For businesses with many travel expenses, the Capital One® Spark® Miles for Business may be a better option.

ValuePenguin’s verdict

Out of all the options available, the Ink Business Preferred℠ Credit Card will provide extraordinary value for most businesses out there. It’s a well-rounded card offering an excellent sign-up bonus and bonus points on common purchase categories. However, it’s best for companies with moderate expenses, as you’ll need to spend quite a bit to lock in the sign-up bonus. Once you reach this spending limit, you’ll unleash the full potential of everything the Ink Business Preferred℠ Credit Card has to offer.

The information related to American Express® Business Gold Card and Capital One® Spark® Miles for Business has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Stella Shon

Stella Shon is a travel credit cards writer with ValuePenguin. After studying abroad in Paris three years ago, she became determined to keep traveling. That’s when she discovered the world of points and miles, which enabled her to travel on a student budget. Since then, she’s flown over 150,000 miles and earned more than 500,000 points and miles with eight different credit cards. While in college, she even co-founded her own travel agency, helping her peers plan and book trips on a budget. As a recent journalism graduate from UNC-Chapel Hill, her goal is to write about travel to make it simpler and achievable for everyone. Her work has also appeared on JetBlue, The Points Guy, Travel + Leisure and CNBC.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

  • On Chase's Secure Website
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